This annual conference explored the 2012 outlook for the banking industry. As the economy gradually improves, are banks finally poised for a turnaround? If so, where will loan growth and earnings opportunities come from—consumers, small businesses, real estate? As banks struggle to adapt to changing economic realities, they must also navigate a regulatory environment being reshaped by the Dodd-Frank Act, the Basel Committee, and a new consumer financial protection agency. Where are the agencies in this process, and how are banks adjusting so far?